For these changing markets, we will provide you legal and ethical tools to resolve the potential deal breaker of a valuation appraisal that is lower than the contracted price of a home. Understand the professional, regulatory and ethical obligations of a residential and commercial appraiser and the mortgage underwriter. Identify potential courses of action for situations where a valuation is lower than the contracted home price. Implement strategies that will allow you to close a deal that involves a valuation lower than the contracted price.